Privacy Policy

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security Number and credit history
  • Account balances and payment history
  • Transaction history

When you are no longer our customer, we continue to share your information as described in this notice.

How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Combined Employees Credit Union chooses to share; and whether you can limit this sharing.


Reasons we can share your personal information Does CECU share? Can you limit this sharing?
For our everyday business purposes –
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus
Yes No
For our marketing purposes –
to offer our products and services to you
Yes No
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes – Information about your transactions and experiences No No
For our affiliates’ everyday business purposes – Information about your creditworthiness No No
For our affiliates to market to you No No
For our nonaffiliates to market to you No No


Who we are
Who is providing this notice? Combined Employees Credit Union


What we do
How does Combined Employees Credit Union protect my personal information? Combined Employees Credit Union
How does Combined Employees Credit Union collect my personal information?

We collect your personal information, for example, when you:

  • open an account or deposit or withdraw money,
  • apply for a loan or request a loan advance, or
  • enroll in BillPay or modify your BillPay payment(s).

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

  • Sharing for affiliates’ everyday business purposes – information about your creditworthiness,
  • Affiliates from using your information to market to you, and
  • Sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.



Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Combined Employees Credit Union has no affiliates.

Companies not related by common ownership or control. They can be financial or nonfinancial companies.

  • Our non-affiliates include government agencies, service providers and credit bureaus.
Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include an insurance company.


QUESTIONS? CALL (478) 929-5700